PRIVACY POLICY

MBH Media, Inc. (the “Company”) is committed to protecting the privacy of its users. This Privacy Policy (“Privacy Policy”) is designed to help you understand what information we gather, how we use it, what we do to protect it, and to assist you in making informed decisions when using our Service. For purposes of this Agreement, “Service” refers to the Company’s web pages, tools, utilities and webmaster widgets which can be accessed via our website at exchange-rates.org, including all related sub-domains. The terms “we,” “us,” and “our” refer to the Company. “You” refers to you, as a user of Service. Unless otherwise indicated below, this Privacy Policy applies to the Service as well as any data the Company may collect across partnered and unaffiliated sites.

Consent

By accessing our Service, you accept our Privacy Policy and Terms of Service, and you consent to our collection, storage, use and disclosure of your personal information as described in this Privacy Policy. In addition, by using our Service, or services across partnered and unaffiliated sites, you are accepting the policies and practices described in this Privacy Policy. Each time you visit our website, or use the Service, and any time you voluntarily provide us with information, you agree that you are consenting to our collection, use and disclosure of the information that you provide. If you contact us using the “Contact Us” page, you are consenting to receive emails or otherwise be contacted as described in this Privacy Policy. This Privacy Policy applies to all users of the website and the Service.

Information We Collect

We collect personal information (e.g., name and email address) when you voluntarily submit a “Contact Us” inquiry using the Service.

If you access the Service and a processing error or exception occurs while serving the requested page or resource, we may log information about the error or exception in order to support our troubleshooting process. The information we collect in these cases includes your Internet Protocol (IP) address, browser type, referring/exit pages, operating system, date/time stamp, session ID and the exception details that caused the error.

The Service uses cookies to remember user settings which contain no personal information. You can control the use of certain cookies at the individual browser level or in your operating system preferences. If you opt-out of such cookies, you may still use our Service, but your ability to use some features or areas of our Service may be limited.

We and our affiliates, partners, and service providers (such as advertising and analytics partners) may use cookies, pixels, device identifiers, web beacons and similar technologies in order to analyze trends, gather demographic information about our user base as a whole and to show relevant advertisements.

We partner with third parties to display advertising advertising to users of our Service. Our third party partners may, where allowed by law, use cookies, tracking pixels, device identifiers, web beacons and similar technologies to gather information about your activities on our Service and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here. We cannot be responsible for the privacy policies or practices of third party advertisers or advertising partners.

The Service uses Google Analytics, a web analytics service. Google Analytics uses cookies and anonymized IP addresses to track activity so that we can track usage trends at an aggregate level.

With respect to any advertising and/or analytics services provided by Google, please see this page for more information on how Google uses information from sites or apps that use Google services.

With respect to any advertising services provided by Yieldlove GmbH, please see the Yieldlove privacy policy for additional privacy and opt-out information regarding their services.

Use of Information

If you contact us via a “Contact Us” page, we may use information about you to respond to your comments, questions, and requests for information.

Error log information and other cookie- or tracking-based information is used for the following:

To enhance users' experiences while using the Service, including the display of customized content and advertising;

To understand usage patterns and trends at a summary level;

To improve our content;

To ensure the technical functioning of the Service;

To identify fraudulent or irregular usage patterns which violate our Terms of Service.

Sharing of Information

We may share information about you as follows or as otherwise described in this Privacy Policy:

With your consent or at your direction;

In response to a request for information if we believe disclosure is in accordance with, or required by, any applicable law, regulation, or legal process;

If we believe your actions are inconsistent with our user agreements or policies, or to protect the rights, property, and safety of the Company or others;

In connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company;

We may also share aggregated or de-identified information, which cannot reasonably be used to identify you.

How We Protect Information

We implement reasonable precautions in order to protect information about you and ensure that such information is not accessed, disclosed, altered or destroyed. However, these measures do not guarantee that your information will not be accessed, disclosed, altered or destroyed by breach of such precautions. By using our Service, you acknowledge that you understand and agree to assume these risks.

Links to Other Websites

As part of the Service, we may provide links to or compatibility with other websites or applications. However, we are not responsible for the privacy practices employed by those websites or the information or content they contain. This Privacy Policy applies solely to information collected by us through the Service. Therefore, this Privacy Policy does not apply to your use of a third-party website accessed by selecting a link via our Service. To the extent that you access or use the Service through or on another website or application, then the privacy policy of that other website or application will apply to your access or use of that site or application. We encourage our users to read the privacy statements of other websites before proceeding to use them.

Age of Consent

By using the Service, you represent that you are at least 18 years of age.

Change to our Privacy Policy

The Company reserves the right to change this Privacy Policy and our Terms of Service at any time. If we decide to change this Privacy Policy, we will post these changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it. Any such modifications become effective upon your continued access to and/or use of the Service five (5) days after we first post the changes on the website or otherwise provide you with notice of such modifications. It is your sole responsibility to check this website from time to time to view any such changes to the terms of this Privacy Policy. If you do not agree to any changes, if and when such changes may be made to this Privacy Policy, you must cease access to this website. If you have provided your email address to us, you give us permission to email you for the purpose of notification as described in this Privacy Policy.

Privacy Policy Last Updated: May 23, 2018

TERMS OF SERVICE

The exchange-rates.org website (“Site”) is made up of various web pages and sub-domains operated by MBH Media, Inc (“MBH”, “we”, “us” and “our”). For your convenience, MBH may make available on the Site tools, utilities or webmaster widgets for placement on third-party sites (the “Tools”). The Site and Tools (collectively, the “Service”) are offered to you conditional on your acceptance without modification of the terms, conditions and notices contained herein (the “Terms of Service”). The Terms of Service together with our Privacy Policy define the "Agreement" between us and you.

Your use of the Service constitutes your agreement to comply with these Terms of Service:

The information and content offered on and through the Service is for your general information and use only. It is subject to change without notice. The Service may be discontinued at any time without notice.

The information available through the Service is for informational purposes only and is not intended as a solicitation for funds or a recommendation to trade any currencies.

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found on or available through Service. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Nothing contained in the Site or the Tools is intended to constitute investment, legal, tax, accounting or other professional advice and you should not rely on the reports, data or other information provided on or accessible through the use of the Site or Tools for making financial decisions. You should consult with an appropriate professional for specific advice tailored to your situation and/or to verify the accuracy of the information provided herein prior to making any investment decisions.

We cannot warrant that that defects in the Service will be corrected, or that the Service is free of viruses or bugs, or that the Service will be available at all times.

We accept no liability whatsoever for any loss or damages suffered through any act or omission taken as a result of reading or interpreting any of the information contained in or related to the Service. We make a reasonable effort to ensure that the information available through the Service is correct and accurate however the information is provided on an "as is" and "as available basis" and may become out of date over time. The Service contains information obtained from sources believed to be reliable and has been prepared in good faith and with all reasonable care. The information contained in the Service s for general purposes and should not be construed as advice to be applied to any specific factual situation. We make no warranty, express or implied, concerning the suitability, timeliness, up-to-dateness, completeness, quality or exactness of the information contained within or available through the use of the Service, including but not limited to any currency exchange rates.

We do not accept any liability for any delays, failures, errors or omissions or loss of transmitted information, viruses or other contamination or destructive properties transmitted to you or your computer system via the Service.

We disclaim any and all liability to you for the Service that we provide to the fullest extent permissible under applicable law. We cannot accept any liability for any loss, damage or expense, including any direct or indirect loss such as loss of profits, to you howsoever arising.

THE USE OF THE SERVICE IS AT YOUR OWN RISK, AND YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS YOU MAY SUFFER AS A RESULT OF USING OR ACCESSING THE SERVICE OR DOWNLOADING ANY CONTENT THEREON. EXCEPT TO THE EXTENT THAT LIABILITY UNDER ANY APPLICABLE LAW OR REGULATION CANNOT BE EXCLUDED, UNDER NO CIRCUMSTANCES SHALL MBH OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, VENDORS, SUPPLIERS OR DISTRIBUTORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR: (A) LOSS OR DAMAGE OF ANY KIND WHATSOEVER ARISING AS A RESULT OF INFORMATION OR PRICES (INCLUDING WITHOUT LIMITATION CURRENCY EXCHANGE INFORMATION) PUBLISHED ON OR FURNISHED THROUGH THE SERVICE OR ANY ERRORS OR OMISSIONS OF SERVICE; (B) LOSS OR DAMAGE OF ANY KIND WHATSOEVER ARISING FROM ORDERS, INVESTMENT DECISIONS OR PURCHASES OF THIRD PARTY GOODS OR SERVICES (INCLUDING FINANCIAL INSTRUMENTS AND CURRENCY) BASED ON INFORMATION PUBLISHED ON OR FURNISHED THROUGH THE SERVICE; (C) ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL LOSS OR DAMAGES; OR (D) ANY OTHER SIMILAR DAMAGES UNDER ANY THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR ANY OTHER THEORY), THAT ARE DIRECTLY OR INDIRECTLY ATTRIBUTABLE TO THE USE OF, OR THE INABILITY TO USE, THE SERVICE OR ANY CONTENT CONTAINED THEREON, EVEN IF MBH HAS BEEN INFORMED OF THE POSSIBILITY THEREOF. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE, OR WITH ANY OF THESE TERMS OF SERVICE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICE.

You agree to indemnify and hold MBH as well as its affiliates, directors, officers and employees, harmless from any claim, demand, or damage, including reasonable attorneys’ fees, asserted by any third party or arising out of your use of, or conduct on, the Service.

You agree that you will not use the Service for any purpose that is unlawful or prohibited by these Terms of Service.

The Service is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

You may not use any computerized or automatic mechanism, including without limitation, any web scraper, spider or robot, to access, extract and/or download any information, including without limitation, any currency exchange data, from the Service.

Unless otherwise specified, the Service is for your personal and non-commercial use. You may not modify, copy, distribute, display, perform, reproduce, publish, license, create derivative works from, transfer, retransmit, or sell any information, software, products or services obtained from the Service.

When accessing the Service you shall not: (i) send or store material containing software viruses, worms, Trojan horses or other harmful computer code, files, scripts, agents or programs; (ii) interfere with or disrupt the integrity or performance of the service or the data contained therein, or our website, servers or networks; (iii) attempt to gain unauthorized access to the Service or related systems or networks; or (iv) take any action that imposes an unreasonably or disproportionately large load on our system

Ownership in, and all rights created in relation to the contents of the Service and any trade marks or marks used on or in the Service vest in us absolutely unless otherwise indicated. You must not modify, copy, reproduce, upload, post, transmit or distribute by any means or in any manner whatsoever, any material or information or download from the Service except where expressly invited to do so or indicated on our Site.

Unauthorized use of the Service may give rise to a claim for damages and/or be a criminal offense.

Any dealings with third parties (including advertisers) in connection with your usage of the Service, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings are solely between you and the advertiser or other third party. We shall not be responsible or liable for any part of any such dealings or promotions.

The Service may include links to other third-party websites. These links are provided for your convenience to provide further information. They do not signify that we endorse such other website(s). We have no responsibility for the content of the linked website(s). We do not represent the quality of the goods or services provided by such third parties nor do we have any control over the content or availability of such sites. We cannot accept any responsibility for the the services or goods that they may provide to you.

If any provision of the Terms of Service is held invalid or otherwise unenforceable, the enforceability of the remaining provisions shall not be impaired thereby.

The failure of MBH exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision. The Terms of Service constitutes the entire agreement between you and us and governs your use of the Service, superseding any prior agreements between you and us (including, but not limited to, any prior versions of the Terms of Service).

We may alter or vary the Terms of Service at any time without specific notice to you. The latest Terms of Service will be posted on www.exchange-rates.org, and you should review these Terms of Service prior to using the Service. Any new features that augment or enhance the Service, including the release of new tools and resources, shall be subject to the Terms of Service. Continued use of the Service after any such changes shall constitute your consent to such changes.

This Agreement is assignable to a third party by us without notice to you.

This Agreement is governed by and construed in accordance with the applicable laws of the United States of America and the State of Michigan.